Liability Insurance

Protect against risks. Manage liability. Streamline processes.

Liability Insurance Solutions

Companies, organizations, and institutions face a wide range of liability risks, from general liability and product liability to environmental risks. Claims can result in financial burdens that pose reputational risks and lead to regulatory consequences.
 

exxis supports insurers and brokers as a reinsurer and multiple general agent: We develop liability insurance products, assess risks, calculate premiums, and provide coverage solutions that brokers can offer to clients during consultations.

Liability Insurance Product Portfolio

Liability risks are diverse and require tailored solutions: From traditional general liability insurance to specialized coverage and customized special and excess coverage solutions, exxis offers tailored insurance plans for businesses and organizations.

Business Liability Insurance (BHV)

Coverage for key business risks:

  • Personal injury, property damage, and resulting financial losses to third parties
  • Liability arising from business operations and services
  • Protection for employees, visitors, and customers

Personal Liability Insurance (PHV)

For organizations or companies with personal liability issues:

  • Coverage for personal liability risks of employees or officers
  • Protection against claims for damages arising from negligent conduct

Product Liability Insurance

For manufacturers, retailers, and service providers:

  • Protection against damages resulting from defective products or services
  • Auditing of production processes, supply chains, and quality assurance

Environmental Liability Insurance

For risks arising from environmental impacts:

  • Operation of environmentally relevant facilities
  • Damage to water bodies, soil, or air
  • Consulting on preventive measures to minimize liability risks

Customized Special and Excess Liability Solutions

exxis provides customized liability insurance solutions for complex or high-risk situations:

  • Excess coverage solutions for existing policies
  • Combination of general liability, product liability, and environmental coverage
  • Industry-specific extensions
  • Supplementary insurance solutions such as financial loss coverage modules

 

Side by side — in every situation.

– Matthias Schnülle, Specialist Advisor for Liability and Accident Insurance

Product Highlights of Our Liability Insurance Plans

Comprehensive protection backed by expert support

Policing with professional oversight

The broker conducts the client consultation, while exxis handles the risk assessment and underwriting.

Differentiated risk assessment

Standard risks or complex liability scenarios are analyzed in a structured manner.

Flexible coverage plans

Standard coverage or customized solutions.

Streamlined decision-making processes

Quick turnaround times for risk assessment, quotes, and policy issuance.

Claims Handling – Examples

Business Liability Insurance – Property Damage

An employee accidentally caused damage to a third party's property. exxis assessed liability, coordinated the settlement, and assisted the broker with communication and claims processing.

Product Liability – Defective Delivery

A defective product caused damage to the customer. exxis coordinated the legal review, approval of the settlement, and coordination between the insurer and the broker.

Environmental Liability – Water Damage

A leak at a production facility caused environmental damage. exxis reviewed the insurance coverage, assisted with claims management, and coordinated the required reporting to regulatory authorities.

Why choose liability insurance through exxis?

  • Extensive expertise in underwriting traditional and complex liability risks
  • Industry-specific expertise in manufacturing, trades, healthcare, the social sector, and nonprofit organizations
  • Structured processes
  • Fast, transparent underwriting and risk assessment processes
  • Dedicated contacts for brokers and insurers

Other product lines

With our insurance solutions, we provide insurers and brokers with a comprehensive range of services that goes far beyond traditional insurance policies.

You gain access to structured products, in-depth underwriting and risk expertise, and professional claims processes—seamlessly integrated and consistently geared toward sustainable sales success and financial stability. 

Contact person

If you already have specific questions or challenges that you’d like to discuss with us in person, please feel free to contact us. 

Matthias Schnülle
Matthias Schnülle Specialist Advisor for Liability and Accident Insurance
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Contact us

exxis - Your insurer for complex risks

Would you like to learn more or speak with us directly?

Email: info(at)exxis(dot)de
Phone: +49 (0) 5231 603-0
Location: Detmold